New York State Mandated Short Term Disability Insurance
The New York Disability Benefits Law requires all employees working in New York (except for government employees and certain tax-exempt
organizations) to participate in a state approved short term disability income replacement plan.
New York employers may satisfy this state mandate to make short term disability insurance coverage available to their employees in one of
two ways:

1. Use an insurance company to provide the disability insurance coverage to their employees
2. Establish a "Private", self-insured disability benefits law plan
If an employer chooses to have their employees participate in an insured plan, the insured plan must offer at least the minimum benefits
dictated by the New York Disability Benefits Law. Employees must pay the required contributions to the plan (unless the employer assumes
that obligation) and also pay any additional insurance premium that may be required by the insurance company to pay for incurred claims
expenses or insurance company administration costs.
The IRS has ruled the employer contributions to the state plan or to a private (self-insured) plan are deductible by the employer and
considered taxable income to the employee. Employee contributions to the State Fund are deductible as state taxes, while contributions
to a private plan are treated as non-deductible personal expenses.
NY Disability Benefits Law Plan Costs
The employee contribution rate is 0.5% of the first $120.00 of weekly wage up to a maximum of $.60 per week or $31.20 per year. The
employer contributes the remainder of plan costs, if any cost remain.
Benefits are paid weekly to the employee and are equal to 50% of the average weekly wage of the employee over the last 4 weeks prior to
the disability. However, the maximum weekly benefit is $170. Benefits become payable on the 8th consecutive day of disability and continue
for up to 26 weeks. The maximum benefit of 26 weeks is either per disability or during any consecutive period of 52 weeks. Benefits are
partially taxable and depend on the ratio of employer / employee contributions.
Self-Insured Private Disability Benefits Law Plan
1. The employer plan must offer benefits at least equal to the state mandated disability benefits law.

2. The employer can charge the employees the same or less than the state mandated disability benefits law mandated contribution level.
Employees can not be charged more unless there have been improvements in coverage.

3. The employer must agree to cover the balance of the state mandated disability benefits law level of plan costs that are in excess of
employee contributions.

4. The employer must agree to provide a guarantee bond, if required by the state.

5. The employer must agree to pay all obligations, including benefits, fines, expenses, and assessments imposed pursuant to the state
mandated disability benefits law.
Click on the link below to fill out a quote request form for an employee group disability insurance plan that regardless of whether you're a
large employer or a small business, will provide first class disability insurance coverage at an affordable cost for your New York businesses
most important assets, your employees. Or speak with our Group Disability Insurance agent specialist toll free at 1-800-498-1819 to discuss
the disability insurance policy features in more detail.
New York Group Disability Insurance Quote
"Your Local Westchester County, New York Group Disability Insurance Agent Specialist!"
We offer reliable, experienced, and affordable New York group disability insurance plan services, including New York mandated short term disability insurance to small
business in the following New York counties and cities: Westchester County, Putnam County, Orange County, Rockland County, Somers, Port Chester, Harrison,
Mamaroneck, Larchmont, New Rochelle, Yonkers, White Plains, Rye Brook, Scarsdale, Rye, Ardsley, Hartsdale, Bronxville, Mt. Vernon, Mount Vernon, Irvington,
Valhalla, Elmsford, Dobbs Ferry, Hastings on Hudson, Greenburgh, Tarrytown, Sleepy Hollow, Hawthorne, Scarborough, Thornwood, Briarcliff Manor, Ossining,
Harmon, Montrose, Crugers, Buchanan, Peekskill, Millwood, Pleasantville, Armonk, Chappaqua, North Castle, Mt. Kisco, Bedford, Pound Ridge, Bedford Hills, Cross
River, South Salem, Yorktown Heights, Goldens Bridge, Amawalk, Yorktown, Katonah, Salem Center, North Salem, Croton Falls, Jefferson Valley, Shrub Oak,
Palisades, Sparkill, Tappan, Orangeburg, Pearl River, West Nyack, New City, Nanuet, Chestnut Ridge, Montebello, Suffern, Monsey, Spring Valley, Congers, Nyack,
Rockland Lake, Wesley Hills, New Hempstead, Pomona, Sloatsburg, Ramapo, Hilburn, Willow Grove, Mt. Ivy, Thiells, Tomkins Cove, Ladentown, Haverstraw, Stony
Point, Tomkins Cove, West Haverstraw, Bear Mountain, Jones Point, Newburgh, Middletown, Brewster, New York City, and Poughkeepsie, NY.
NY Disability Benefits
DIRECT
ACCESS
GROUP
BENEFITS,
INC.
Employee Benefits Specialists
Call Us 1-800-498-1819
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With more than 20 years of offering affordable group insurance services to both large
employers and small businesses throughout New York, Connecticut, and New Jersey.
We're an independent insurance agency and therefore able to consistently offer cost
effective group insurance services which are driven by a total commitment to service.